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Legal & General Reviews

Legal & General fixes your home insurance premium for 2 years, so if you don't make a claim, your premium won't increase at renewal.

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6.4 /10
Based on 11360 reviews
#9 of 10 buildings insurers
  • 11360 reviews found on websites such as TrustPilot
  • Awarded a 5 Star rating by Defaqto
  • Convenient online claim system SmartClaim
  • Get a quote by answering just five questions with their SmartQuote technology
  • UK based call centre open 24/7
  • Dedicated Legal Help and Emergency Cover helplines

Price Band

£ £ £ £ £

Good for

  • Rated 5 stars by Defaqto
  • Upto £150k contents' cover
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Quotes our team received

Home Insurance Pricing Image One

Details

Covers the contents of your home only

Contents Only Quote

£190.33
Per Year

Buildings' Cover Limit

£1.5m

Voluntary Excess

£200
Home Insurance Pricing Image Two

Details

Covers the physical structure of your home as well as the contents

Buildings & Contents Quote

£242.95
Per Year

Buildings' Cover Limit

£1.5m

Voluntary Excess

£200

What home insurance policies do Legal & General offer?

Legal & General offers three different home insurance policies; buildings and contents insurance, buildings insurance only and contents insurance only. 
 

Buildings and contents insurance

Legal & General’s buildings and contents insurance provides you with protection for your home and your belongings. You can choose between their Gold and Silver levels of cover: 
Buildings and contents cover Gold Silver
Buildings sum insured Up to £1.5m Up to £1.5m
Contents sum insured Up to £150,000 Up to £150,000
Home emergency covered Included Included
Accidental damage Included Included
Family legal protection Included Included
 

Buildings insurance

This provides you with cover for the physical structure of your home only, protecting it against natural and unforeseen events such as fire, flood, storm damage, escape of water, subsidence and theft. You can choose between their Gold and Silver levels of cover:
Buildings cover Gold Silver
Buildings sum insured Up to £1.5m Up to £1.5m
Home emergency cover Included Included
Family legal protection Included Included
Accidental damage Included Included
Alternative accommodation Up to £100,000 Up to £50,000
 

Contents insurance

This covers the contents of your home, meaning everything you would take with you if you were to move house. Your contents will be covered against events such as theft, fire, flood, loss or damage. You can choose between their Gold and Silver levels of cover: 
Contents cover Gold Silver
Contents sum insured Up to £150,000 Up to £150,000
Home emergency cover Included Included
Accidental damage Included Optional
Family legal protection Included Optional
High risk items £30,000 £30,000
Contents in the garden Up to £50,000 Up to £25,000
 
 

What optional extras can I add to my Legal & General home insurance policy?

You can add any of the following optional extras to your Gold or Silver home insurance policy:
 
  • Personal possessions cover - covers loss or damage to your personal items whether you’re at home or not. Cover away from your home applies both in the UK and abroad.
  • Cover away from home - this covers clothing and possessions you take with you, such as the contents of your handbag, mobile phones, MP3 players and jewellery. The maximum amount you can claim for one item is £5,000. You will also be covered for personal money up to £500.
  • Bicycle cover - covers you for loss or damage up to a total limit of £6,000, with a single item limit of £2,000. Legal & General will consider insuring bicycles that cost more than the limit if you provide them with the make, model and frame number.
  • Valuable items cover - this covers items in and away from the home. If you have items of high value, such as expensive jewellery, you can specify each item.

Frequently asked Questions

FAQ Icon

Legal and General offers Buildings insurance, Contents insurance and Buildings and Contents insurance combined. Choose from two levels of cover;

  • Silver Home Cover - for essential cover that will protect your possessions and home against events like fire, flood, storms, theft etc. It also includes home emergency cover.
  • Gold Home Cover - a comprehensive level of cover for a wide range of events. This includes Accidental Damage and Home Emergency cover as standard.

Legal & General have three additional options you can add to your policy. Select Personal Possessions Cover to protect your items when away from the home such as a phone, ipad or jewellery in case of loss or damage. Choose Accidental damage to cover those unfortunate mishaps such that happen to your contents or your building. This level of cover is included in Gold Home Cover but it’s an additional option for the Silver Home Cover option. Family Legal Protection gives you and your loved ones a level of cover to pursue certain UK legal proceedings. As before, this addition is already included in the Gold Home Cover but it is an optional addition to Silver Home Cover.

Yes, each level of cover has a dedicated emergency line you can call for advice.

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